Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
TRUP
SellFallen FavouriteTrupanion, Inc. · Financial Services · United States · $1.3B · Avg Vol: $14M/d
COMPANY DESCRIPTION
Trupanion, Inc. is a leading provider of medical insurance for pets in the United States and Canada, offering comprehensive coverage for cats and dogs. The company's competitive moat is built on its unique business model, including direct payment to veterinarians and a sophisticated pricing algorithm that offers lifelong coverage. Trupanion is a market leader in a growing niche, leveraging its veterinary relationships and specialized underwriting.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 905.2M | 1.1B | 1.3B | 1.4B | 16.7% | 1.5B | 1.6B | 1.7B | 9.6% |
| EPS | -1.10 | -1.08 | -0.23 | 0.45 | — | 0.53 | 0.66 | 0.70 | 24.4% |
| Shares | 41.0M | 41.9M | 42.5M | 43.4M | +5.8% | 43.6M | — | — | — |
| Debt | 69.5M | 128.9M | 128.9M | 111.8M | 17.2% | 106.9M | — | — | — |
| Equity | 305.3M | 303.7M | 323.3M | 383.9M | 7.9% | — | — | — | — |
| Op CF | -8.0M | 18.6M | 48.3M | 89.5M | 119.1% | 94.1M | — | — | — |
| Inv CF | -67.5M | 7.6M | -13.5M | -95.9M | — | — | — | — | — |
| Fin CF | 60.7M | 59.1M | -4.0M | -22.9M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of TRUP are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| TRUP | Trupanion, Inc.(you) | $1.3B | 27 | Sell |
| KMPR | Kemper Corporation | $1.6B | 28 | Sell |
| ROOT | Root, Inc. | $874M | 39 | Hold |
| NODK | NI Holdings, Inc. | $310M | 33 | Sell |
| PRCH | Porch Group, Inc. | $2.0B | 59 | Hold |
| LMND | Lemonade, Inc. | $4.1B | 9 | Strong Sell |
| STC | Stewart Information Services Corporation | $2.1B | 63 | Hold |
| PLMR | Palomar Holdings, Inc. | $3.5B | 53 | Hold |
| KNSL | Kinsale Capital Group, Inc. | $8.7B | 35 | Hold |
| BOW | Bowhead Specialty Holdings Inc. | $1.1B | 70 | Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%